Jobs at Renmoney

The Role 

• The Senior Anti-Fraud & Credit Policy Manager leads the Bank's Credit Policy and Fraud Prevention function, ensuring robust controls across customer onboarding, loan origination, and portfolio management. 
• The role is responsible for developing and optimizing fraud prevention strategies, KYC controls, credit policy rules, and fraud detection models while safeguarding the business against financial crime and operational losses. 
• The successful candidate will oversee anti-fraud systems, external risk data providers, blacklist management, and continuous monitoring of fraud attacks. Working closely with Risk, Credit, Product, Operations, Technology, Compliance, and Data Science teams, this role will drive automation, enhance decisioning frameworks, and strengthen fraud prevention capabilities across the lending lifecycle. 
• This role is ideal for someone with extensive experience in fraud risk management, credit policy, digital lending, and data-driven decisioning within banking or fintech. 

What You Will Do 

• Lead the design, implementation, and continuous improvement of credit policies and anti-fraud strategies across all lending products. 
• Develop, monitor, and optimize KYC, customer verification, and fraud prevention controls throughout the customer lifecycle. 
• Design, implement, and fine-tune fraud detection rules, cross-match models, and decision engines to improve fraud detection while minimizing false positives. 
• Manage fraud prevention platforms and decisioning systems to enhance approval quality and customer experience. 
• Oversee relationships with external risk data providers, including credit bureaus, identity verification providers, device intelligence, and fraud intelligence vendors. 
• Evaluate the effectiveness of third-party fraud and identity solutions and recommend enhancements where necessary. 
• Own and maintain customer, device, identity, and merchant blacklists, ensuring timely updates and governance. 
• Monitor fraud trends, emerging threats, attack patterns, and suspicious activities across digital channels. 
• Lead daily fraud monitoring, investigate fraud incidents, and coordinate rapid response actions to mitigate losses. 
• Develop fraud dashboards, KPIs, and management reports to support executive decision-making. 
• Conduct root cause analysis of fraud events and implement preventive controls. 
• Collaborate with Product, Engineering, Data Science, and Operations teams to implement new fraud controls and policy enhancements. 
• Review lending policies and recommend updates based on portfolio performance, fraud trends, regulatory changes, and business strategy. 
• Support internal and external audits, regulatory examinations, and compliance activities relating to fraud prevention and credit policy. 
• Ensure all fraud prevention activities comply with regulatory requirements and internal governance standards. 
• Lead continuous improvement initiatives through automation, analytics, and advanced fraud detection techniques. 

Requirements

Educational Qualification: 

• Bachelor's Degree in Computer Science, Information Technology, Mathematics, Statistics, Economics, Finance, Accounting, Engineering, or a related discipline. 
• Master's Degree is an added advantage.

Professional Certifications: 

• Certified Fraud Examiner (CFE) – preferred. 
• Certified Anti-Money Laundering Specialist (CAMS) – an advantage. 
• Certified Risk Management Professional (CRMP), FRM, or equivalent certifications are desirable. 
• Professional certifications in Data Analytics, SQL, Python, SAS, or Power BI are an added advantage.

Experience: 

• Minimum of 6–8 years of experience in Fraud Risk Management, Credit Policy, Financial Crime, Credit Risk, or Digital Lending. 
• At least 3 years in a leadership or senior specialist role. 
• Experience within banking, fintech, consumer lending, or financial services. 
• Hands-on experience managing fraud prevention systems, KYC platforms, and rule-based decision engines. 
• Experience working with external fraud intelligence, identity verification, and credit bureau providers.

Professional Competencies: 

• Strong knowledge of digital fraud prevention, financial crime, and credit policy management. 
• Deep understanding of KYC, Customer Due Diligence (CDD), identity verification, and fraud risk controls. 
• Experience designing and optimizing fraud rules, scorecards, cross-match models, and decision engines. 
• Strong understanding of fraud attack vectors, synthetic identity fraud, account takeover, device fraud, application fraud, and first-party fraud. 
• Experience managing external risk data providers and integrating third-party fraud solutions. 
• Strong knowledge of blacklist management, fraud monitoring, and fraud investigation processes. 
• Proficiency in SQL, Excel, Power BI, Python, SAS, or similar analytical tools. 
• Strong analytical and problem-solving skills with the ability to identify emerging fraud patterns. 
• Excellent stakeholder management, communication, and leadership skills. 
• Strong understanding of regulatory requirements relating to fraud prevention, AML, KYC, and consumer lending. 
• Ability to balance fraud prevention with customer experience and business growth.

This Role Is Ideal For You If: 

• You enjoy building robust fraud prevention and credit policy frameworks. 
• You are passionate about protecting customers and the business from financial crime. 
• You enjoy analyzing fraud patterns and improving decision engines through data. 
• You thrive in fast-paced, technology-driven lending environments. 
• You enjoy collaborating across Risk, Compliance, Product, Engineering, and Operations teams. 
• You are motivated by solving complex fraud challenges using analytics and technology.

You May Not Enjoy This Role If: 

• You prefer operational processing over strategic risk management. 
• You are uncomfortable making high-impact risk decisions. 
• You dislike working with fraud analytics, rule optimization, and large datasets. 
• You prefer environments with limited change and innovation. 
• You are not interested in regulatory compliance, fraud prevention, or credit governance.

Benefits

• Opportunity to lead fraud prevention and credit policy for a fast-growing fintech organization. 
• Ownership of fraud strategy, KYC controls, and credit decisioning frameworks that directly influence portfolio quality and customer trust. 
• Exposure to advanced fraud technologies, digital identity solutions, and analytics-driven decisioning. 
• Opportunity to collaborate with Risk, Product, Engineering, Data Science, Compliance, and Executive Leadership teams. 
• Continuous learning, professional certification support, and career development opportunities. 
• Competitive compensation and the opportunity to solve complex, high-impact fraud and credit risk challenges. 

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The Role

• The Portfolio Manager is responsible for developing, implementing, and managing credit portfolio strategies that support the Bank's expansion into new markets and regions. 
• The role ensures sustainable portfolio growth by balancing risk, profitability, and customer acquisition while adapting credit strategies to local market dynamics and regulatory environments. 
• This role will lead portfolio performance monitoring, market analysis, credit strategy optimization, and expansion initiatives across multiple geographies. Working closely with Credit Risk, Product, Finance, Data, Collections, and Business teams, the Portfolio Manager will drive data-driven decisions that maximize portfolio quality and business performance. 
• This role is ideal for someone with strong expertise in portfolio management, retail lending, credit analytics, and expansion strategy within banking or fintech. 

What You Will Do

• Develop and execute portfolio strategies to support expansion into new markets and regions. 
• Design localized credit strategies based on customer behaviour, market conditions, regulatory requirements, and portfolio performance. 
• Monitor portfolio quality, profitability, and growth across multiple regions using key credit risk metrics. 
• Analyse portfolio trends, customer segments, and product performance to identify growth opportunities and emerging risks. 
• Perform portfolio forecasting, scenario analysis, stress testing, and profitability assessments. 
• Recommend enhancements to underwriting policies, pricing strategies, and portfolio limits to optimise business performance. 
• Partner with Product and Business teams to support the launch of new lending products and market expansion initiatives. 
• Monitor key portfolio indicators including delinquency, default rates, recoveries, vintage performance, roll rates, and loss trends. 
• Conduct deep-dive analysis on regional portfolio performance and provide actionable recommendations to senior management. 
• Collaborate with Finance on Expected Credit Loss (ECL), impairment analysis, and portfolio provisioning. 
• Develop automated dashboards and portfolio reporting to support executive decision-making. 
• Drive continuous improvement initiatives across portfolio analytics, reporting automation, and risk management processes. 
• Ensure compliance with internal credit policies, regulatory requirements, and governance standards. 
• Work closely with Risk, Data Science, Technology, Collections, and Operations teams to improve portfolio performance and customer outcomes.

Requirements

Educational Qualification:

• Bachelor's Degree or Higher National Diploma in Finance, Economics, Statistics, Mathematics, Business Administration, Engineering, Computer Science, or a related quantitative discipline. 
• A Master's Degree is an added advantage.

Professional Certifications:

• Financial Risk Manager (FRM) or Chartered Financial Analyst (CFA) certification is preferred. 
• Professional certifications in Credit Risk Management or Portfolio Management are an added advantage. 
• Microsoft Power BI, SQL, Python, SAS, or equivalent data analytics certifications are desirable.

Experience:

• Minimum of 5–7 years of experience in Portfolio Management, Credit Risk, Credit Analytics, or Retail Lending. 
• Hands-on experience managing consumer lending portfolios within banking, fintech, or other financial institutions. 
• Experience supporting regional expansion, multi-market portfolios, or new market launches is an added advantage.

Professional Competencies:

• Strong understanding of retail lending, portfolio management, and credit risk principles. 
• Experience analysing portfolio performance using key risk and financial metrics. 
• Knowledge of IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio profitability. 
• Strong analytical skills with experience using SQL, Excel, Power BI, Python, SAS, or similar analytical tools. 
• Experience with portfolio segmentation, vintage analysis, roll rates, delinquency monitoring, and stress testing. 
• Strong understanding of lending products, customer behaviour, and market dynamics. 
• Excellent communication, stakeholder management, and presentation skills. 
• Strong commercial acumen with the ability to balance business growth and portfolio quality. 
• Ability to work effectively in a fast-paced, data-driven environment while managing multiple priorities.

This Role Is Ideal For You If: 

• You enjoy building and optimising lending portfolios across new markets. 
• You are passionate about using data to drive strategic business decisions. 
• You thrive in high-growth, fast-paced financial services environments. 
• You enjoy collaborating with cross-functional teams to deliver business outcomes. 
• You are motivated by solving complex portfolio and credit risk challenges.

You May Not Enjoy This Role If: 

• You prefer operational or administrative work over strategic portfolio management. 
• You are uncomfortable working with large datasets and financial analysis. 
• You dislike balancing commercial growth with risk management. 
• You prefer highly repetitive work with limited opportunities for innovation and strategic thinking.

Benefits

• Opportunity to lead portfolio strategy for regional expansion within a fast-growing fintech organisation. 
• Exposure to large-scale lending portfolios, market expansion, and strategic growth initiatives. 
• Opportunity to collaborate with Credit Risk, Product, Finance, Data, Engineering, and Executive Leadership teams. 
• Continuous learning, professional certifications, and career development opportunities. 
• Competitive compensation and the opportunity to influence business growth while managing portfolio performance across multiple markets. 

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The Role 

• The Senior Risk Analyst (Portfolio Risk) is responsible for driving portfolio risk analytics, credit performance monitoring, Expected Credit Loss (ECL) modeling, impairment analysis, and value-added risk initiatives that optimize portfolio performance and profitability. 
• The role partners closely with Risk, Finance, Product, Collections, and Technology teams to deliver actionable portfolio insights, automate reporting, improve decision-making, and support strategic initiatives such as Risk-Based Pricing (RBP), digitalization, and portfolio optimization. 
• This role is ideal for someone with strong analytical capabilities, deep knowledge of retail lending portfolios, IFRS 9/ECL methodologies, and the ability to translate complex data into business recommendations within a fast-paced financial services environment. 

What You Will Do 

• Monitor and analyze portfolio performance across all lending products, identifying emerging risks, trends, and business opportunities. 
• Develop, automate, and maintain portfolio risk dashboards, management reports, and executive reporting. 
• Lead value-added portfolio initiatives including Risk-Based Pricing (RBP), digitalization, and portfolio optimization projects. 
• Deliver timely, accurate, and insightful reporting to support strategic and operational decision-making. 
• Own the portfolio Expected Credit Loss (ECL) and impairment analysis in accordance with IFRS 9 requirements. 
• Provide profitability analysis by evaluating impairment costs, portfolio performance, and P&L contribution across each lending product. 
• Support forecasting of credit losses, provisions, and portfolio performance under different economic scenarios. 
• Design and enhance portfolio monitoring frameworks, early warning indicators, and risk performance metrics. 
• Collaborate with Data, Finance, Product, Collections, and Technology teams to improve data quality and reporting automation. 
• Build automated reporting solutions and improve data infrastructure to reduce manual processes. 
• Conduct deep-dive analyses into portfolio trends, customer behavior, segmentation, and credit performance. 
• Perform portfolio stress testing, sensitivity analysis, and scenario modeling. 
• Support regulatory reporting, internal audits, and governance requirements relating to portfolio risk. 
• Recommend risk policy enhancements based on portfolio performance and analytical findings. 
• Maintain documentation for portfolio methodologies, reporting processes, and analytical models. 
• Drive continuous improvement initiatives across portfolio analytics and reporting capabilities.

Requirements

Educational Qualification 

• Bachelor's Degree in Statistics, Mathematics, Economics, Finance, Accounting, Computer Science, Engineering, or a related quantitative discipline. 
• Master's Degree is an added advantage.

Professional Certifications: 

• FRM (Financial Risk Manager) – preferred. 
• CFA (Chartered Financial Analyst) – an advantage. 
• ACCA, ACA, or equivalent accounting qualification is beneficial. 
• IFRS 9 or Credit Risk certifications are an added advantage. 
• Microsoft Power BI, SQL, Python, SAS, or Data Analytics certifications are desirable.

Experience: 

• Minimum of 5–7 years of experience in Portfolio Risk, Credit Risk Analytics, Risk Modelling, or Financial Risk. 
• Experience within banking, fintech, consumer lending, digital lending, or financial services. 
• Demonstrated experience with IFRS 9, Expected Credit Loss (ECL), impairment analysis, and portfolio monitoring. 
• Experience building automated reporting and portfolio dashboards. 
• Experience supporting senior management with portfolio performance insights and strategic recommendations.

Professional Competencies: 

• Strong knowledge of portfolio risk management principles and retail lending products. 
• Deep understanding of IFRS 9, ECL methodologies, impairment calculations, and provisioning. 
• Strong analytical skills with experience interpreting large datasets and translating insights into business actions. 
• Advanced proficiency in SQL, Excel, Power BI, Tableau, Python, SAS, R, or similar analytical tools. 
• Strong understanding of P&L drivers, portfolio profitability, and financial performance analysis. 
• Experience designing portfolio monitoring frameworks and early warning indicators. 
• Ability to automate reporting processes and improve reporting efficiency. 
• Strong knowledge of credit risk metrics including PAR, Roll Rates, Vintage Analysis, Loss Rates, Recoveries, and Collections performance. 
• Excellent presentation, communication, and stakeholder management skills. 
• Strong attention to detail with the ability to influence strategic decision-making through data. 
• Ability to manage multiple priorities within a fast-paced environment.

 
This Role Is Ideal For You If: 

• You enjoy transforming complex portfolio data into strategic business insights. 
• You are passionate about credit risk analytics, portfolio optimization, and automation. 
• You enjoy improving reporting efficiency through digitalization and data-driven solutions. 
• You thrive in solving complex business problems using analytics. 
• You enjoy collaborating across Risk, Finance, Technology, and Product teams. 
• You want to influence credit strategy and portfolio performance at scale.

You May Not Enjoy This Role If: 

• You prefer operational roles over analytical and strategic work. 
• You are uncomfortable working with large datasets and complex financial models. 
• You dislike automation, reporting, or continuous process improvement. 
• You prefer highly repetitive work with limited opportunities for innovation. 
• You are not interested in financial performance, impairment, or portfolio optimization.

Benefits

• Opportunity to shape portfolio strategy within a leading fintech organization. 
• Direct ownership of portfolio analytics, IFRS 9 reporting, and risk insights that influence executive decision-making. 
• Exposure to large-scale digital transformation, Risk-Based Pricing (RBP), and advanced analytics initiatives. 
• Opportunity to collaborate with Risk, Finance, Product, Data, Engineering, and Executive Leadership teams. 
• Continuous learning, professional certification sponsorship, and career development opportunities. 
• Competitive compensation and the opportunity to solve complex, high-impact credit risk challenges. 

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The Role

• The Credit Policy Analyst is responsible for designing, implementing, and continuously improving credit policies and underwriting strategies for new lending products, including Credit Cards, Credit Lines, Buy Now Pay Later (BNPL), Merchant Financing, and other emerging digital credit solutions. 
• The role partners closely with Credit Risk, Product, Data Science, Fraud, Technology, Finance, and Operations teams to ensure new products are launched with robust credit decisioning frameworks that balance portfolio growth, customer experience, profitability, and risk management. 
• This role is ideal for someone with strong expertise in credit policy development, consumer lending, and data-driven decision-making within a fast-paced banking or fintech environment. 

What You Will Do

• Design and develop credit policies for new lending products, including Credit Cards, Credit Lines, BNPL, Merchant Financing, and other digital lending solutions. 
• Define customer eligibility criteria, underwriting standards, credit limits, pricing strategies, and approval rules for new products. 
• Develop, test, and optimize credit decision rules, scorecards, and policy frameworks to improve portfolio quality and customer acquisition. 
• Monitor the performance of newly launched products and recommend policy enhancements based on portfolio analytics and business performance. 
• Conduct policy simulations, scenario analysis, and impact assessments before implementing credit policy changes. 
• Collaborate with Product, Data Science, Fraud, Engineering, Collections, and Finance teams throughout the product development lifecycle. 
• Analyse customer behaviour, repayment trends, portfolio performance, and profitability to support policy improvements. 
• Recommend changes to approval strategies, credit limits, pricing, and risk controls based on portfolio performance and market trends. 
• Develop automated dashboards, portfolio monitoring reports, and policy performance metrics for management reporting. 
• Support A/B testing and champion/challenger strategies to continuously improve credit decisioning. 
• Ensure all credit policies comply with regulatory requirements, internal governance standards, and the Bank's risk appetite. 
• Maintain comprehensive documentation of credit policies, governance approvals, decision rules, and implementation procedures. 
• Support audits, regulatory reviews, and compliance activities relating to credit policy management.

Requirements

Educational Qualification:

• Bachelor's Degree or Higher National Diploma in Finance, Economics, Statistics, Mathematics, Computer Science, Engineering, Business Administration, or a related quantitative discipline. 
• A Master's Degree is an added advantage.

Professional Certifications:

• Financial Risk Manager (FRM), Chartered Financial Analyst (CFA), or equivalent risk management certification is preferred. 
• Credit Risk or Consumer Lending certifications are an added advantage. 
• Professional certifications in SQL, Python, SAS, Power BI, or Data Analytics are desirable.

Experience:

• Minimum of 4–6 years of experience in Credit Policy, Credit Risk, Portfolio Analytics, Consumer Lending, or Lending Strategy. 
• Hands-on experience designing or managing credit policies for retail or digital lending products. 
• Experience within banking, fintech, consumer finance, or other regulated financial institutions. 
• Experience supporting the launch of new lending products is an added advantage.

Professional Competencies:

• Strong understanding of consumer lending, underwriting principles, and credit policy management. 
• Experience developing credit strategies for products such as Credit Cards, Credit Lines, BNPL, Merchant Financing, or unsecured lending products. 
• Knowledge of scorecards, decision engines, credit bureau data, affordability assessments, and risk-based pricing. 
• Strong analytical skills with experience using SQL, Excel, Power BI, Python, SAS, or similar analytical tools. 
• Understanding of portfolio monitoring, IFRS 9, Expected Credit Loss (ECL), and portfolio performance metrics. 
• Experience conducting policy performance analysis, segmentation, champion/challenger testing, and portfolio optimisation. 
• Excellent analytical, communication, and stakeholder management skills. 
• Strong attention to detail with the ability to balance business growth, customer experience, and credit risk.

This Role Is Ideal For You If: 

• You enjoy designing credit strategies for innovative lending products. 
• You are passionate about balancing business growth with prudent risk management. 
• You enjoy using data and analytics to improve customer decisioning. 
• You thrive in collaborative, cross-functional product development environments. 
• You enjoy solving complex lending and credit policy challenges.

You May Not Enjoy This Role If: 

• You prefer operational or administrative work over analytical and strategic roles. 
• You are uncomfortable making data-driven credit policy recommendations. 
• You dislike working with large datasets, policy optimisation, and performance analytics. 
• You prefer highly repetitive work with limited opportunities for innovation. 

Benefits

• Opportunity to shape the credit strategy for innovative lending products within a leading fintech organisation. 
• Hands-on experience launching and optimising products such as Credit Cards, Credit Lines, BNPL, and Merchant Financing. 
• Exposure to Product, Data Science, Risk, Engineering, Finance, and Executive Leadership teams. 
• Continuous learning, professional certification support, and career development opportunities. 
• Competitive compensation and the opportunity to solve complex, real-world lending and credit risk challenges.